FS22 Enhanced Loan System v1.0.0.0

Farming Simulator 22 Mods | Farming Simulator 19 Mods · April 29, 2023

FS22 Enhanced Loan System v1.0.0.0

Hello everyone, here is the French version of the improved lending system. So the version is 2.0.0.0, it’s up to you to see if you are for this French version or version 1.0.0.0. You can find more information in the images. Thanks to all and good game.
This mod makes the credit system a bit more realistic. However, standard game credits will be disabled. If there are still credits outstanding, they will be transferred to the new system.

With this system it is possible to take cancellation loans. For this purpose, a loan is taken out with a fixed amount, term and interest rate of the loan. This is used to calculate the monthly payment, which is debited at the end of each month.
The bank requires collateral here, so the maximum loan amount is calculated from the current retail value of your vehicles, fields (60%), cash and your existing loans.
To make this a bit more realistic, the loan rate can go up, down or stay the same each month. This makes it all the more crucial when taking out the loan. However, you can also change this variable loan rate to a fixed loan rate in the settings.

How does a cancellation loan work? Here’s a quick explanation:
A cancellation loan has a cancellation rate, monthly rate, and a loan interest rate. This cancellation is made up of the refund amount and the interest amount. The interest amount is calculated by multiplying the loan interest rate by the remaining loan amount. As a result, the interest amount keeps decreasing and the repayment amount keeps increasing.

Credits:
BOB51160 / Chissel

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